Friday, 15 February 2008

the universe unfolds

We took the big step on Tuesday of putting down a deposit for a shiny new car. We were told that it would be registered and ready to drive away on Thursday. We've been here long enough to know that that wasn't going to happen. This is the middle east. Things don't work like that, and of course they didn't work like that.

The car dealer can get much cheaper finance through the banks than we can, so we left it in his hands to organise that. Well, the first three banks he tried rejected us. Why, you ask? The problem is that we've got a joint bank account and our bank statements list K's name first. It shows his Surname, his first name, his middle name and then the statement says '& Mrs' but it doesn't get any further. So my income is going into the account, but my name isn't on the statements. The other banks don't like it and they say they'll only give us the finance if the account is in my name only! Sigh! We haven't heard back from the 4th bank yet. The 4th bank is our own bank, surely they won't reject it ... ? I guess we'll hear the next instalment of that saga on Sunday.

There is another spanner in the works ... of course. To get a loan you need to have a salary statement from your employer. I got one of those a while back when we first started thinking seriously about getting a car. The catch is that the salary statement can't be more than 30 days old. Mine was 28 days old on Tuesday when we put down the deposit on the car. It was 30 days old on Thursday. So I'm guessing that the next thing that will happen is that our own bank will approve the loan pending a current salary statement. The last one took me almost two weeks to get by the time the employer had lost my application for it and I'd reapplied, then they'd given me one with wrong information and finally 14 days later I got the right one.

So I've got a car in waiting, but I don't expect to see it in my carport any time soon!

What drove us to finally make a move to get a car was our utter annoyance at the hire cars we were getting. The one we've got now reeks of cigarette smoke. As soon as you put the a/c on there's a huge dose of eau de fag. The car doesn't have central locking let alone keyless entry ... how did we ever survive without those necessities? The auto gear shift is clunky, there are scratches all over the body and to top it off it costs Dhs 200 more than we were paying when we left for hols a few weeks ago.

If the universe unfolds such that our shiny new car never actually gets to us, we'll let it rest there and say it wasn't meant to be and we'll probably keep hiring for a bit ... or maybe we'll just walk everywhere! But, all being well I'm hoping to be the proud owner of the new beast by week after next, or the week after that. Inshallah.

3 comments:

Colin said...

Having your own vehicle is a necessity nowadays. If you fail to manage the required amount at your own then loan is the only option left for you. But most of the lending organizations impose heavy processing fees even while they promise a low interest. In such circumstances you need a reliable resource that offers low interest rates in true sense. Cheap auto loans are the best choice in this category. To find easy auto loans, poor credit auto loans visit http://www.universalautoloans.com

Robin said...

Given my time again, I think I would have bought a second hand 4WD tank with heaps of protection.

The chances of getting your car here bent are very high ... better to bend an older car.

Raakin said...

Hello ,
Am Mrs cynthia corvin. Am a lady with testimony great I live in USA and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $360,000.00 to start my life all over as i am a mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of $360,000.0.Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs cynthia corvin, that refer you to him. contact Mr.Ahmed Akeem,via email:-ahmedakeem411@yahoo.in
*Hard Money Loans
*Business Loan
*Debt Consolidation Loan
*Personal Loan
*Business Expansion Loan
*Student Loan
*Agricultural Development Loan
...And Lots more
Email: ahmedakeem411@yahoo.in